Poor Service

I have been with budget car insurance for almost two years, paying my premiums. Got involved in a car accident on the 20th December 2014, they took almost two months to give me an answer, calling almost everyday to be only told claim still being processed. After all that, they tell me claim has been declined. I must fix the car myself. Now I must pay R27 000,00 myself, after paying my premiums. Thanks for nothing budget.